KR102413360B1 - Method and system for utilizing cash using electronic settlement means - Google Patents

Abstract

According to an embodiment of the present invention, there is provided a method for an electronic payment server to provide a cash utilization service, including payment method information from a payment approval requesting device, and payment amount information obtained by subtracting a user's desired cash amount to be utilized. receiving payment approval request information; and processing the user's account information identified by the payment means information to deposit the desired cash amount to be utilized or to be utilized in another way.

Description

Method and system for using cash using electronic payment methods

The present invention relates to a method and system for utilizing cash using electronic payment means, and more particularly, to a method and system for utilizing cash such as small money in various forms through electronic payment means.

With the recent surge in the number of overseas travelers, currency exchange services are also diversifying. However, it is being investigated that it is difficult for travelers to re-exchange after travel (exchanging foreign exchange to their own currency). US dollars and European euros are relatively easy to exchange, but currencies of developing countries with low currency are not easily exchanged.

As described above, foreign currencies that are not re-exchanged are accumulating in Korea without being able to find a place to use them. In the case of foreign exchange coins, there are some places where the exchange fee is up to 50% when exchanging at a bank, making re-exchange more difficult.

According to this problem, technology has been developed for a device that enables unmanned currency exchange, but it still does not provide a currency exchange service for currencies other than dollars or euros, and in particular, it is impossible to exchange small amounts of money in foreign currency. do.

In addition, as the use of electronic payment methods such as credit cards and electronic money is increasing recently, and non-face-to-face or online payment is also activated, the use of small currencies such as coins is further declining, and from the user's point of view, They are not using the small amount of money they had properly.

Korean Patent Publication No. 10-2009-0008740 (2009.01.22.) Korean Patent Publication No. 10-2003-0017265 (March 2003.03.) Korean Patent Publication No. 10-2007-0067300 (June 28, 2007)

SUMMARY OF THE INVENTION It is an object of the present invention to solve the problems of the prior art described above.

It is an object of the present invention to enable the use of deposits of small amounts of money into one's account in an easy way through electronic payment means.

Another object of the present invention is to expand the scope of use of the electronic payment means, so that additional fee revenue can be generated from the side that provides the electronic payment service.

Objects of the present invention are not limited to the objects mentioned above, and other objects not mentioned will be clearly understood from the description below.

According to an embodiment of the present invention for achieving the above object, as a method for an electronic payment server to provide a cash utilization service, the payment method information and the user's desired cash amount to be utilized are minus ( -) receiving payment approval request information including the converted payment amount information; and processing the user's account information identified by the payment method information so that the desired cash amount to be utilized is deposited or utilized in another way.

The processing to be utilized may include processing such that an amount obtained by deducting a fee from the desired cash amount to be utilized is deposited or utilized in another way.

The user's account information may be obtained from an external server.

According to another embodiment of the present invention, there is provided a method for providing, by a payment approval requesting device, a cash utilization service, the method comprising: recognizing a payment method through a payment method recognizing device; counting the cash input by the user through the cash slot; and transmitting, to an electronic payment server, a payment approval request including a payment amount obtained by converting the counted cash into a negative (-) and information on the payment method.

According to another embodiment of the present invention, the payment approval request receiving unit for receiving payment approval request information including payment method information, and the user's desired cash amount to be used minus (-) payment amount information from the payment approval request device; and a cash utilization unit configured to process the user's account information identified by the payment means information to deposit the desired cash amount to be utilized or to be utilized in another way.

According to an embodiment of the present invention, it is possible to utilize small amounts of money in an easy way through the electronic payment means.

In addition, according to an embodiment of the present invention, the range of use of the electronic payment means is widened, and it is possible to generate additional fee income from the side that provides the electronic payment service.

1 is a diagram schematically showing the configuration of a cash utilization system using an electronic payment means according to an embodiment of the present invention.
2 is a flowchart illustrating a process of utilizing cash using an electronic payment means according to an embodiment of the present invention.
3 is a diagram showing the configuration of an electronic payment server according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be implemented in other embodiments with respect to one embodiment without departing from the spirit and scope of the invention. In addition, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the following detailed description is not intended to be taken in a limiting sense, and the scope of the present invention, if properly described, is limited only by the appended claims, along with all scope equivalents to those claimed. Like reference numerals in the drawings refer to the same or similar functions throughout the various aspects.

Hereinafter, in order to enable those of ordinary skill in the art to easily practice the present invention, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically showing the configuration of a cash utilization system using an electronic payment means according to an embodiment of the present invention.

Referring to FIG. 1 , a system according to an embodiment may include a user terminal 100 , an electronic payment server 200 , a payment approval request device 300 , and a cash management company server 400 .

The user terminal 100 , the electronic payment server 200 , the payment approval request device 300 , and the cash management company server 400 are a communication network, for example, a mobile communication network, a local area network (LAN), an urban area network (MAN: Metropolitan Area Network), wide area network (WAN: Wide Area Network), World Wide Web (WWW), wireless communication network (WiFi: Wireless Fidelity), etc. can communicate with each other.

The user terminal 100 has an arithmetic function and may be implemented in any form as long as it is a device capable of communicating with the outside. For example, it may be implemented as a smart phone, a tablet PC, a desktop, a laptop notebook, a PDA, etc., but is not limited thereto.

The user terminal 100 is an electronic payment server 200, a cash management company server 400, or another company server (eg, a bank server, a card company server, etc. ) to transmit information for service membership subscription. In this process, you can register your account information to which the cash will be deposited.

The user terminal 100 may include an application that enables membership registration for the service, registration of account information, and inquiry of processing status of one's own cash utilization request.

Such an application may be downloaded from the electronic payment server 200 , the cash management company server 400 , or another app store server (not shown) and installed in the user terminal 100 .

The electronic payment server 200 receives a payment approval request including payment information from the payment approval request device 300 and performs a function of approving payment. The payment information may include information on the payment means 110 and payment amount information.

According to an embodiment, the payment approval request amount may be a negative (-) amount, and when the payment approval is completed, the negative approval requested amount is deposited into the user's preset payment account or used in another way. have.

In this specification, “utilization” is understood as a concept that includes all of the various usage behaviors of cash, such as depositing cash into the user's account, depositing money after currency exchange, payment for product or service purchase, or conversion to specific points. should be

The payment approval request device 300 may be implemented as a kiosk installed in an unattended form, a card payment terminal, or other terminals. The payment approval requesting device 300 may be implemented as any device as long as it recognizes a payment method, can read payment method information, and can input information about a payment amount.

The payment approval request device 300 according to an embodiment converts the amount that the user wants to deposit into his or her account into a negative value, and transmits the amount to the electronic payment server 200 as payment approval request amount information.

If the payment approval requesting device 300 is in the form of an unmanned kiosk, it may include a cash inlet through which a user can insert cash, a counter for the corresponding cash, and a display for displaying the counting result. When a user requests to exchange the input amount, the exchange amount may be displayed on the display, and may be displayed as an amount deducted from a fee for providing this service.

The manager of the cash management company server 400 may receive cash injected into the payment approval requesting device 300 or cash received by the manager of the payment approval requesting device 300 from the user.

The cash management company server 400 may receive information on the user's desired cash amount to be deposited from the payment approval request device 300 , and processing status such as payment approval for the corresponding cash from the electronic payment server 200 , etc. information can be received. This information is stored in association with the user account in the cash management company server 400 , and the user puts it in the payment approval request device 300 through the user terminal 100 or to the manager of the payment approval request device 300 . You can check the processing status up to the utilization of the transferred cash.

2 is a view for explaining a process for utilizing cash through an electronic payment means according to an embodiment of the present invention.

First, the user accesses the cash management company server 400 through the user terminal 100, and proceeds with a membership registration and use registration procedure for the service of the present invention (S201). In addition, in the service process according to the embodiment of the present invention, the account information to which the cash input or delivered by the user is to be deposited may be registered (S202).

The user visits the payment approval request device 300 with the cash and electronic payment means 110 in hand. The electronic payment means 110 may be implemented as a credit card, a prepaid card, a debit card, a transportation card, a check card, or electronic payment information stored in the user terminal 100 , but is not limited thereto.

The payment approval request device 300 recognizes the user's electronic payment means 110 . For example, if the payment method is a credit card, the credit card number is recognized. In addition, the cash is received together with this (S204). When the payment approval requesting device 300 is a kiosk, cash may be received through the cash slot, and in other cases, the manager of the payment approval requesting device 300 may receive the cash directly.

When the automatic cash counting by the payment approval request device 300 or the cash counting by the manager is completed, the amount obtained by subtracting the cash amount is the payment amount, and the electronic payment server together with the electronic payment method information recognized in step S203 It is transmitted as payment approval request information to ( 200 ) ( S206 ).

For example, when the user inputs or delivers cash for 9,000 won, the payment amount included in the payment approval request becomes -9,000 won.

Meanwhile, the user can select whether to use the cash as it is or to use it after exchange. Such selection information may be transmitted to the cash management company server 400 in step S201 or S202 or may be directly input to the payment approval request device 300 . In the latter case, information on whether to use the cash as it is or after exchange is included in the payment approval request information and transmitted to the electronic payment server 200 .

Upon receiving the payment approval request, the electronic payment server 200 identifies the user based on the payment method information, and obtains information about the user from its own database or the cash management company server 400 (S207). In this process, it can be determined whether the corresponding user is a user subscribed to the cash utilization service through the electronic payment method, and as one form of cash utilization, an account to which cash is to be deposited can be identified.

When this confirmation is completed, the electronic payment server 200 performs a corresponding payment approval (S208).

When payment approval is completed, the corresponding cash may be deposited into the user's account on the payment date of the electronic payment means (S209).

This account may be an account registered in step S202 and the related information transmitted to the electronic payment server 200 through step S207, or other accounts previously registered by the user in the electronic payment server 200.

In addition, in this process, other methods than deposit may be utilized, for example, payment for product or service purchase or conversion to points may be performed.

If the user selects the form of deposit after exchange, the deposit may be made in the form of exchange.

In addition, the final deposit amount may be an amount in which a predetermined fee is deducted from the amount input or delivered by the user.

This fee may include a first fee, a second fee and a third fee. The manager of the device 300 for requesting payment approval transfers the amount obtained by subtracting the first fee from the cash received from the user to the cash management company (S210), and the cash management company receives the amount obtained by deducting the second fee from the cash received from the user (S210) It can be delivered to a financial company operating the electronic payment server 200 (S211). Also, the financial company may deposit an amount obtained by deducting the third fee from the received amount to the user account (S209).

Here, at least one of the first fee, the second fee, and the third fee may be omitted. As an example, when the payment approval request device 300 is in the form of an unmanned kiosk, it goes without saying that the first fee may be '0'.

The first fee, the second fee, or the third fee may vary depending on the number or amount of small currency (coins) that is difficult to exchange or use in the cash input or delivered by the user.

For example, 9,000 won was input or delivered in the same way, but user A inputted or delivered 8 1,000 won bills, 5 100 won coins, and 10 50 won coins, and user B 5 1,000 won bills , if 30 100 won coins and 20 50 won coins are input or delivered, a higher rate of fee can be set for user B.

For example, the fee rate may be set according to the following equation.

[Equation 1]

In the above formula, R is a fee, k is a constant, M _i is the number of coins in the i-th unit in the cash input or delivered by the user, N is the number of types of coins in a specific monetary unit, and α _i is a weight.

α _i may be set differently for each type of coin, and may be set higher as a type of coin that is difficult to exchange or utilize.

3 is a block diagram showing the configuration of an electronic payment server according to an embodiment of the present invention.

Referring to FIG. 3 , the electronic payment server 200 may include a payment approval request receiving unit 210 , a user information checking unit 220 , and a cash utilization unit 230 .

The payment approval request receiving unit 210 receives a payment approval request including payment method information and a payment amount from the payment approval request device 300 . In this process, you can receive more information about whether you want to exchange money. As described above, the payment amount is received as negative amount information.

When receiving a payment approval request, the user information check unit 220 obtains user information identified based on payment method information included in the request. The user information may be stored by itself in the electronic payment server 200 or may be stored in the cash management company server 400 . The user information may include user account information and the like.

The cash utilization unit 230 transfers the amount obtained by deducting the fee to be taken by the manager, the cash management company, and the financial company of the payment approval request device 300 from the amount converted to a positive (+) amount for the payment approval request to the user account. It performs a function that allows it to be used in various forms such as deposit, payment, or conversion to points.

Such use of cash may be made as it is, but may also be made in the form of an amount converted into a specific currency.

According to an embodiment of the present invention, a user can utilize a small amount of money that is difficult to use in a simplified method using an electronic payment method.

In addition, according to an embodiment of the present invention, in providing a cash utilization service in the process of receiving cash and generating negative sales, the manager of the payment approval requesting device, the cash management company, and the operator of the electronic payment server can generate additional commission revenue. can

In addition, since the fee can be differentially determined according to the type of currency constituting the cash delivered by the user, it is possible to set a fee policy that satisfies both the user and the cash recipient.

The description of the present invention described above is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the following claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention.

100: user terminal
110: payment method
200: electronic payment server
210: payment approval request receiving unit
220: user information confirmation unit
230: cash utilization unit
300: payment authorization request device
400: cash management company server

Claims (5)

As a method for an electronic payment server to provide a cash utilization service,
Receiving payment approval request information including credit card information and payment amount information obtained by subtracting the desired cash amount to be used by the user from the payment approval request device into which the desired cash to be used by the user; and
and depositing the desired cash amount to be used as account information of the user identified by the credit card;
The step of depositing is,
Including the step of depositing an amount by deducting a fee from the desired cash amount to be utilized,
The fee is determined according to the following formula,

In the above formula, R is the fee, k is a constant, M _i is the number of coins in the i-th unit in the cash input by the user, N is the number of types of coins in a specific monetary unit, and α _i is the weight, cash deposit HOW TO PROVIDE SERVICES. delete According to claim 1,
The user's account information is obtained from an external server, a method of providing a cash deposit service. delete a payment approval request receiving unit for receiving payment approval request information including credit card information and payment amount information obtained by negating the user's desired cash amount to be used from the payment approval request device into which the desired cash to be used by the user; and
and a cash utilization unit for depositing the desired cash amount to be utilized as account information of the user identified by the credit card,
The cash use unit,
To deposit the amount by deducting the fee from the desired cash amount to be utilized,
The fee is determined according to the following formula,

In the above formula, R is the fee, k is a constant, M _i is the number of coins in the i-th unit in the cash input by the user, N is the number of types of coins in a specific monetary unit, and α _i is the weight, cash deposit service delivery system.

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